Updated September 28, 2026 · BorrowCue Editorial Team
Creditilia ES vs ICICI Bank Credit Cards
Creditilia ES vs ICICI Bank Credit Cards: the differences
| Compare |  Creditilia ES |  ICICI Bank Credit Cards |
|---|---|---|
| APR | 4% to 289%Lower | 9.99% to 16.5% |
| Loan amount | €500 to €50,000 | ₹50,000 to ₹5,000,000 |
| Term | 3 to 96 monthsHigher | 12 to 72 months |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | Up to 2% of loan amount plus taxes (Personal Loan processing charge) |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | Instant disbursement |
| Lender type | Marketplace | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | Indian citizens aged 18-58 years; salaried minimum monthly income 30,000 rupees |
| Origination fee (%) | 0%Lower | 2% |
| Loan types | Personal, Payday, Debt consolidation, Business, Guarantor, CarCovers more | Personal, Debt consolidation |
| Credit needed | Poor | Good |
| Representative example | EUR 5,000 loan over 60 months at fixed 4% annual rate (4.12% TAE), monthly payment EUR 92.08, total repayable EUR 5,524.96, no opening, study or early repayment fee | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed), Use cases (Home improvement).
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Key differences
- ICICI Bank Credit Cards scores higher overall: 9.0 vs 8.7.
- APR is lower at Creditilia ES: 4% to 289% vs 9.99% to 16.5%.
- Free early repayment: only Creditilia ES.
- Origination fee (%) is lower at Creditilia ES: 0% vs 2%.
- Term is higher at Creditilia ES: 3 to 96 months vs 12 to 72 months.
- Support channels: only ICICI Bank Credit Cards offers Phone, Chat, Help centre.
- Loan types: only Creditilia ES offers Payday, Business, Guarantor.
Our verdict on each
Creditilia ES
Creditilia ES is a Spanish loan marketplace that suits borrowers who want a quick answer and no upfront or exit fee, and who will accept a rate decided by whichever partner lender they are matched with. Its annual rate runs 4% to 289%, so the final price can sit far above 12%.
ICICI Bank Credit Cards
ICICI Bank lends directly at 9.99% to 16.5% for personal loans and debt consolidation, with funding time of Instant disbursement. It suits salaried Indian borrowers with a good credit record who want fixed rates and quick money. The processing charge adds to the total, and early repayment carries a fee.
Score breakdown
| Area | Creditilia ES | ICICI Bank Credit Cards |
|---|---|---|
| Cost | 9.4HigherFees of EUR 0 - no opening, study or early repayment fee and free early repayment, against an annual rate running 4% to 289%. | 8.5Personal loan interest runs 9.99% to 16.5% with a processing charge of 2% of the amount, and free early repayment: no. |
| Offer | 8.5 | 9.3Higher |
| Trust | 8.1 | 9.3Higher |
Where these facts come from
Creditilia ES
- creditilia.es: 20 facts, checked September 26, 2026
ICICI Bank Credit Cards
- icici.bank.in: 20 facts, checked September 26, 2026
How they place
| Ranking | Creditilia ES | ICICI Bank Credit Cards |
|---|---|---|
| Personal loans | 51 of 1943 | 106 of 1943 |
| Debt consolidation loans | 20 of 425 | 42 of 425 |
| Mortgages | 4 of 719 | 14 of 719 |
| Remortgage deals | 4 of 351 | 13 of 351 |
| Home improvement loans | 23 of 562 | 51 of 562 |
Every fact side by side
| Fact | Creditilia ES | ICICI Bank Credit Cards |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | ICICI Bank Limited |
| Headquarters | Spain | India |
| Founded | Not confirmed | 1994 |
| Support channels | Phone, Email, Chat, Help centreCovers more |
Mortgages
| Fact | Creditilia ES | ICICI Bank Credit Cards |
|---|---|---|
| Initial rate | 4%Lower | 7.55% |
| APRC | 4.12% | Not confirmed |
| Fixed period | 5 years | Not confirmed |
| Maximum loan to value | Not confirmed | 80% to 90% |
| Product fee | €0 | Not confirmed |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | Creditilia ES | ICICI Bank Credit Cards | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | 9.99% to 16.5%above the median | 8.99 |
| Term | 3 to 96 monthsabove the median | 12 to 72 monthsabove the median | 60 |
| Origination fee (%) | 0%below the median | 2%above the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Creditilia ES
Pros
- Fees of EUR 0 - no opening, study or early repayment fee on the personal, payday, consolidation, business, guarantor and car loans, and free early repayment, so clearing a balance ahead of schedule costs nothing.
- Offers are shown immediately with an answer within a day, and same day funding is listed as a feature (same day funding).
- Pricing is fixed: the rate type is fixed and the model is fixed rate, so the monthly payment holds for the whole term.
Cons
- Creditilia ES is a marketplace, so the rate is set by the partner lender you are matched with rather than published as one figure, and the range it quotes runs 4% to 289%.
- The top of that range is punishing, sitting far above the 12% median across the market, so a poor credit profile can land you at the wrong end of it.
- Applications use a hard credit search (hard), which leaves a full mark on your file rather than a soft prequalification.
ICICI Bank Credit Cards
Pros
- Direct lender, so 9.99% to 16.5% is the rate you are offered rather than a broker mark-up
- Funding time is listed as Instant disbursement
- Fixed rate pricing on fixed rate loans, so repayments stay predictable
Cons
- Free early repayment: no, so settling the loan early carries a cost
- A processing charge of 2% of the loan amount plus taxes adds to the total
- Credit check: hard, and the lender asks for a good credit record
Who each suits
Creditilia ES
Who it suits
- Residents of Spain with an imperfect credit history who need an answer fast and can live with a price set by a partner lender.
- Borrowers who expect to clear a loan ahead of schedule, since free early repayment applies and the fee line leaves nothing to negotiate.
- People weighing a short or a long term, because terms of 3 to 96 sit either side of the 36 month median across the market.
Who should look elsewhere
- Anyone who wants a single published rate at application: Monzo Flex quotes an APR of 10% to 23%, a far narrower band than the 4% to 289% range carried here.
- Borrowers hunting a lower headline cost: Cashspace ES lists an APR of 0%, against a range that runs 4% to 289% on this marketplace.
ICICI Bank Credit Cards
Who it suits
- Salaried Indian citizens who meet the income requirement for a personal loan
- Borrowers consolidating debt into one fixed-rate repayment
- People who need the money quickly and value Instant disbursement over extra shopping
Who should look elsewhere
- Anyone wanting to clear a personal loan early without paying for it, since free early repayment: no
- Borrowers with a thin credit file, as the credit check is hard
- Shoppers who want a fee-free loan, given a processing charge of 2% plus taxes
Current offers
ICICI Bank Credit Cards
Current offer
Bonus
Sapphiro Credit Card welcome vouchers with BookMyShow buy one get one offer
Sapphiro Credit Card only; includes international and domestic airport lounge access
Source, checked September 26, 2026
Country by country
| Country | Creditilia ES | ICICI Bank Credit Cards |
|---|---|---|
| India | No | Yes |
| Spain | Yes | No |
Questions about each
Creditilia ES
What rate will I actually pay?+
Creditilia ES is a marketplace, so the rate is set by the partner lender you are matched with rather than published as one number. The site quotes an annual rate of 4% to 289%, a wide band, and the median across the market is 12%. Treat the lower end as a possibility and plan your budget around the rest.
What does it cost to take out a loan?+
There is no charge for taking the loan out. The fee line reads EUR 0 - no opening, study or early repayment fee, so no opening fee, no study fee and no early repayment charge applies to the personal, payday, consolidation, business, guarantor and car loans listed. What you pay is interest, at a rate that runs 4% to 289%.
ICICI Bank Credit Cards
What rate will I pay on a personal loan?+
Interest runs at 9.99% to 16.5% for a personal loan or a debt consolidation loan. The rate type is fixed, so the figure holds for the life of the loan. Your actual rate depends on how the lender assesses you.
Is there an arrangement fee?+
Yes. A processing charge of 2% of the loan amount applies, plus taxes. That sits on top of the interest at 9.99% to 16.5%, so ask for the full cost before you commit.
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